Episodes

  • Mosaic: The Stories of Real Estate - December 10 Fed Meeting: A debrief

    Mosaic: The Stories of Real Estate - December 10 Fed Meeting: A debrief
    Dec 15 2025
    Join me as I debrief on last week’s Fed meeting, rate cut, labor, and inflation data. Curious about the potential for labor to soften and for interest rates to improve? Listen to my podcast, then share your thoughts—reach out via call, text, email, or DM me on X @mike_lending. Join the conversation. Michael F Nelson, CEo - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
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    18 mins
  • 50-Year Mortgages: Dream Deal or Debt Nightmare?

    50-Year Mortgages: Dream Deal or Debt Nightmare?
    Dec 8 2025
    Tempted by a 50-year mortgage's lower monthly payments? At Efficient Lending, we reveal the truth: assuming the same principal and rate can balloon your total interest, creating a costly long-term solution. I'm Mike Nelson (NMLS: 1876539), your guide in Colorado, Texas, and Florida, breaking it down in this *Mosaic: The Stories of Real Estate* episode for agents and borrowers. Learn how the proper term builds generational wealth—tune in on Spotify or efficientlending.net. Let's talk; your legacy awaits. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
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    18 mins
  • Thanksgiving Vibes: Key Market Watches Leading Up to the Dec 10 Fed Meeting

    Thanksgiving Vibes: Key Market Watches Leading Up to the Dec 10 Fed Meeting
    Nov 26 2025
    I'm closely monitoring BLS data for labor insights, home price appreciation trends to gauge property values, the volume of applications crossing my desk as a pulse on buyer activity, and inflation figures that influence borrowing costs. If market sentiment leans toward a Fed rate cut, I'll be watching how the markets preemptively price it in before the December 10 meeting. Opportunities like these can empower homeowners to build generational wealth and lasting legacies through smart financing. Join me on Mosaic: The Stories of Real Estate to explore how these indicators could impact your path to homeownership with honesty, transparency, and a personal touch. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@Efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #RogueMedia #EfficientLending #MortgageRates Learn more about your ad choices. Visit megaphone.fm/adchoices
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    12 mins
  • Fannie & Freddie Reforms: Affordable Housing Ideas From Two Loan Originators

    Fannie & Freddie Reforms: Affordable Housing Ideas From Two Loan Originators
    Nov 25 2025
    In this insightful episode, explore innovative proposals for Fannie Mae and Freddie Mac to streamline mortgage lending and enhance housing affordability, featuring expert insights from Tom Bonetto, the Lending Coach, and Mike Nelson, CEO of Efficient Lending, Inc. The discussion also examines the profound influence of federal debt on mortgage rates and lending dynamics. Tom Bonetto - The Lending Coach tom@lendingcoach.net or 480.788.2658 NMLS: 1431961 https://lendingcoach.net/ Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 My Linktree #EfficientLending #MortgageRates #RogueMedia #LendingCoach Learn more about your ad choices. Visit megaphone.fm/adchoices
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    42 mins
  • Fed Rate Decision: Signals for Real Estate Opportunities Tomorrow?

    Fed Rate Decision: Signals for Real Estate Opportunities Tomorrow?
    Oct 29 2025
    Join Mosaic: The Stories of Real Estate for an in-depth episode examining the Federal Reserve's upcoming announcement on October 29th. I analyze the signals Chairman Jerome Powell may provide, including the likelihood of interest-rate cuts, the data sources relied upon during the government shutdown blackout period, and the Fed's evolving balance-sheet strategy. These pivotal decisions could significantly influence real estate markets and mortgage rates. Tune in as I outline my optimistic outlook and highlight the key indicators to watch for emerging opportunities. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #rogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
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    22 mins
  • Building Wealth: Virginia Sellars Shares Her Expertise in Real Estate & Property Management

    Building Wealth: Virginia Sellars Shares Her Expertise in Real Estate & Property Management
    Oct 21 2025
    In this episode of Mosaic, we chat with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive real estate and property management expertise, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments, property management, and real estate sales in the vibrant Denver, Colorado market. You can reach Virginia at: keyrenterdenver.com or 720.468.8276 Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #Efficientlending #Mortgagerates #Roguemedia Learn more about your ad choices. Visit megaphone.fm/adchoices
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    40 mins
  • Mosaic: The Stories of Real Estate - August 2025 Market Update

    Mosaic: The Stories of Real Estate - August 2025 Market Update
    Oct 6 2025
    Welcome to the September 2025 Mortgage and Real Estate Update, powered by MBS Highway. In this episode, I will review a particularly volatile month for mortgages. We experienced a Fed rate cut, which unexpectedly led to an increase in mortgage rates. Additionally, there was a significant revision from the Bureau of Labor Statistics regarding labor numbers, contributing to market fluctuations. Tune in for this month's update. As always, please call or text me anytime to continue the conversation. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices
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    20 mins
  • Mosaic: The Stories of Real Estate - 5 Tips to Reduce Cost When You Refinance

    Mosaic: The Stories of Real Estate - 5 Tips to Reduce Cost When You Refinance
    Oct 7 2025
    Welcome to Mosaic: The Stories of Real Estate. Today, I'll share five tips for refinancing your home. These tips will help you lower your mortgage costs and build generational wealth and a lasting legacy. Additionally, I'll discuss the government shutdown, our national debt, and the potential impacts on the real estate market. As always, I welcome your thoughts and would love to continue the conversation. Feel free to call, text, or DM me anytime! Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
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    15 mins